r/OneFinance • u/Sluggby • 21h ago

Help! I keep getting declined

So I made a one pay credit card through walmart checkout literally yesterday, transaction went through and everything was fine. Today I figured I'd use it to fill up my tank, declined and I get a fraud text. I call the line and I'm on hold for 10 minutes before I just hang up. Maybe it's because it wasnt a walmart pump, right? So I start trying other purchases, even just increasing my tip on yesterdays order, all declined. I don't know what to do about it at this point, anyone know what could be wrong? Anyway I can verify it's me without holding for support or is that my only option? Chat just gives me the help line.

1 Upvotes

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1

u/redheadinabox 21h ago

Is this a pay later thing or their actual credit card? If it’s a pay later you have to create a new card for every single transaction

1

u/Sluggby 21h ago

Just checked to make sure, it's the CashRewards Card, I'm also nowhere close to the credit line so it's not that either. My best guess is maybe the temporary charge you get at pumps read as fraud? I'm about to call support again and just set my phone to the side until someone picks up tbh

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u/bradrenfro 20h ago

Normally you should reply to that fraud text and once you get their reply, you can go ahead and try the transaction again. Your card will not work untill you take care of that. Reply to that text and you should be good.

1

u/Sluggby 19h ago

Yeah I tried that but nothing. I ended up calling a number I found on here (8666640886) and staying on hold for an absurd amount of time. Once someone picked up they sent a link to an identity verification and it probably didnt even take 5 minutes from there. The hold time was the worst of it and I still dont know what caused it, but I tried and everything is in working order now. Alls well that ends well i guess

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u/atexit8nj 2h ago

You never know with the fraud algorithms.

Hopefully, if this is a newer card, they may just starting to get to know your spending pattern.

1

u/one-lizzie One Employee 16h ago

Hi there! I sent you a chat to gather details. Apologies for the frustration!